Life Insurance & Estate Rule Watch

Track US life insurance and estate rules. Report only confirmed, source-backed items from the last 7 days: term and whole life price changes, underwriting changes and no-exam coverage limit changes at Northwestern Mutual, New York Life, MassMutual, Prudential, Lincoln, Pacific Life, Banner, Protective, Haven, Ethos, Ladder, State Farm, Transamerica and John Hancock; insurer rating downgrades, insolvencies and block transfers; state estate and inheritance tax threshold and rate changes; probate, small-estate, will, trust, power of attorney and transfer-on-death rule changes by state; beneficiary designation and unclaimed death benefit rules and search tools; and life settlement, accelerated benefit and long-term care rider changes. Prefer insurer pages, state insurance departments, state legislatures, AM Best and established financial planning reporting; ignore agent marketing. Put the insurer or state first in the title and state who is affected and from when. Use high severity for a rating downgrade, an insolvency, or a state tax or probate change taking effect within 90 days. Return no more than 5 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who it affects, what to do, the date, and the source link. If nothing qualifies, push nothing and submit the run receipt.